Chicago, IL · Cert 34089
FDIC · 3 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chicago, IL · Cert 34089
FDIC · 3 branches
Q4 2019
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2019 SOD (annual) · 0.0% share · #101 of 180 inst. · $0.2B of $415.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.44% | 1.47% | 1.46% | 1.22% | 1.41% | 1.38% | 1.30% | -16 bps | |
| Return on Equity | 10.67% | 13.23% | 13.42% | 13.28% | 11.15% | 12.90% | 12.49% | 11.74% | -155 bps | |
| Net Interest Margin | 4.02% | 4.01% | 4.01% | 3.84% | 3.79% | 3.58% | 3.58% | 3.53% | -32 bps | |
| Efficiency Ratio | 62.86% | 58.60% | 58.07% | 59.64% | 58.53% | 60.22% | 60.97% | 63.93% | +429 bps | |
| Non-Interest Burden | 2.39% | 2.09% | 2.11% | 2.06% | 2.07% | 2.01% | 1.98% | 2.08% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.48% | 4.45% | 7.15% | 7.75% | 13.41% | 14.17% | 12.42% | 5.59% | -216 bps | |
| Loan Growth (YoY) | 6.32% | 9.84% | 9.03% | 8.78% | 9.97% | 8.73% | 5.78% | 6.47% | -232 bps | |
| Deposit Growth (YoY) | 1.56% | 4.02% | 6.90% | 6.57% | 12.71% | 13.69% | 11.80% | 5.65% | -92 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.63% | 0.42% | 0.70% | 0.72% | 0.27% | 0.12% | 0.17% | -53 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.05% | 0.19% | 0.16% | -0.30% | -0.29% | -0.26% | -0.21% | -37 bps | |
| Allowance / Loans | 1.90% | 1.80% | 1.52% | 1.47% | 1.51% | 1.33% | 1.33% | 1.31% | -16 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.9x | 3.6x | 2.1x | 2.1x | 4.9x | 10.7x | 7.8x | +5.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.00% | 11.30% | 11.42% | 11.21% | 11.15% | 11.03% | 11.29% | 11.01% | -20 bps | |
| Total Risk-Based Capital | 21.97% | 22.36% | 22.80% | 22.72% | 22.47% | 22.78% | 23.34% | 23.02% | +30 bps | |
| Equity / Assets | 10.93% | 11.07% | 11.20% | 11.03% | 10.86% | 10.96% | 11.23% | 11.21% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.47% | 89.73% | 90.58% | 88.75% | 87.29% | 85.82% | 85.70% | 89.43% | +68 bps | |
| Liquid Assets / Assets | 5.50% | 4.56% | 4.11% | 3.91% | 5.76% | 6.40% | 5.99% | 6.92% | +301 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |